#1 Lakewood Mortgage Broker | Win The Bidding War | Nathan Mortgage

Mortgage rates are currently very low. In fact, they reached the all-time low in the spring of 2021, and while they’ve climbed a bit since then, we are still near the 40-year low point. Lower rates mean lower payments, which makes now an opportune time to purchase or refinance. At Nathan Mortgage, a trusted mortgage professional will take the time to answer your questions help you understand where rates are now, where they’ve been, and where they may head in the future. We are data-driven and want to make sure you have the information you need to make an educated decision.

Use our simple Affordability Calculator to determine how much house you can comfortably afford. Check out our New Home Buyer Checklist for even more information on planning and financial aspects to help you find your dream home.

Working with a trusted lender is important to both make the home buying process smooth and fast. Look for compatibility and traits that you value, such as trust, communication, and credibility (Google is a great place to check for consistent 5-star reviews). Ask probing questions to ensure your lender is an expert home loan professional. This will ensure you are approved for the best home loan possible and the best mortgage rates possible, allowing you to focus on the excitement of buying your new home. At Nathan Mortgage, we want your loan to make sense and will take the time to ensure you have the confidence you need to move quickly in the challenging Denver market.

The minimum credit score depends on the type of loan you are applying for. FHA loans, backed by HUD, require a minimum 580 mid fico score. VA Loans through the Veterans Administration can go well below 580 on a case-by-case basis. Conventional loans backed by Fannie or Freddie typically require a 620 minimum mid-fico score. Jumbo loans and loans not backed by a government agency usually have higher score requirements. The best way to learn what loan you need and what your score means in terms of your lending options is to call us and let us help you evaluate your individual loan options.

As your mortgage broker, we not only work to get you the best mortgage rates but also partner with your real estate agent to give you the strongest position possible when making an offer on your dream home. We call the listing agent and explain the benefits of your home loan and what makes your offer compelling. We put you in the best position possible to have your offer win over any others. We are known and well-liked by many agents in the Denver area, and when they see an offer supported by a pre-approval from Nathan Mortgage, that in and of itself increases your odds of having your offer accepted. We deliver on-time closings, and that is what listing agents care about – they don’t want to see their clients impacted by an incompetent lender. LEARN MORE

When you go to a big bank for your mortgage lending needs, you get to choose only from the products, mortgage loans, and an interest rate that are offered and sold by that one bank. Big banks also carry a lot of overhead: large buildings, multiple layers of management, advertising budgets for TV commercials, celebrity endorsements, etc. They pass those costs on to their clients through what Nathan describes as “loan bloat.” You skip those costs when you go with independent mortgage loan originators like Nathan Mortgage. Why? Because Nathan Mortgage has access to over forty different end investors who compete to fund your loan. We have pricing that leads our industry and don’t need sports stars or fancy TV commercials to gain clients. We offer better loans at better interest rates and a better mortgage price. You’re effectively shopping 40+ banks with a single phone call by calling us. We will get you the best deal you qualify for every single time. LEARN MORE

We don’t provide personal loans, land loans, adjustable-rate mortgage loans, or construction loans. We provide conventional fixed-rate loans, FHA, VA, USDA, and Jumbo loans, and loans for self-employed borrowers.

An adjustable-rate mortgage can help you buy a house now as opposed to a fixed-rate loan as it provides a lower interest rate at the beginning of the loan. An adjustable-rate mortgage is designed with a variable or adjustable rate after an initial set term(s). The interest rate will adjust within a set range according to the set terms of the loan and may result in higher monthly costs in the future as opposed to a fixed-rate loan. 98% of the loans we originate are fixed-rate loans because we feel they better protect our clients.

When you want to buy a home, it’s never too early to speak with Nathan Mortgage. We will give you valuable information about your home loan that can help focus your search to the right range of home prices and help you be in the best position when making an offer on your dream home. Nathan Mortgage works with some of the best realtors around and can refer you to a realtor that can make a critical difference in your home search. When making one of the largest purchases of your life, it’s crucial to have a seasoned, skilled, and professional team on your side. We build long-lasting relationships with our preferred realtors, allowing us to work together without hiccups. That helps you close quickly, have more leverage with sellers, and communicates to potential sellers than you are equipped with a great team to help make the seller’s experience a good one.

Your down payment can affect your monthly mortgage payment in a number of different ways. For instance, a larger down payment reduces the overall amount of your loan, lowering the amount of principal and interest you must pay each month, thus lowering your monthly mortgage cost. As well, if your down payment is 20% of the value of your new home, you can avoid paying Private Mortgage Insurance (PMI), which can also lower your monthly mortgage payment by hundreds of dollars. Finally, another way that your down payment can affect your monthly mortgage payment is how it affects your interest rate. When it comes to mortgage lending, a larger down payment is viewed as having more “skin in the game” and thus poses a lower risk of default, allowing for a lower rate mortgage. If you have a smaller down payment, the lender may view your loan as a higher risk and give you a higher rate mortgage in response.